The biggest Chase bank promotion open to most people right now is $400 for opening a new checking account and setting up direct deposit. Chase also has bonuses for teens, people without direct deposit, small businesses and investors, and each one has its own end date.
Three questions sort them fast. Are you new to Chase checking? Can a paycheck, pension or government benefit go into the account? And is this for you, your teen or your business? We checked every offer below against Chase’s own pages as of this update. The quick picks show what each one pays; tap one to jump to the details.
Chase Bank Promotions
Our pick is Chase Total Checking®: $400 for new Chase checking customers who make direct deposits totaling $1,000 or more within 90 days of offer enrollment. The bonus arrives within 15 days after that, and the offer expires 01/27/2027. The account has a $15 monthly fee that drops to $0 with $500 or more in qualifying electronic deposits each statement period, so the same paycheck that earns the bonus can also cover the fee.
Chase Total CheckingOur pick if you can direct deposit $1,000$4002Chase High School CheckingBest for parents with a teen 13 to 17$1253Chase Secure BankingBest with no direct deposit$1754Chase Business Complete CheckingBest for small business owners$400 or $5005
J.P. Morgan Self-Directed InvestingBest if you are moving investmentsup to $1,0006Chase credit cardsBest if you already bank with Chaseby card1. Chase Total Checking®
Our pick: the $400 bonus for new Chase checking customers
Best if you can move a paycheck to Chase.
Open a new Chase Total Checking account and have direct deposits totaling $1,000 or more land in it within 90 days of offer enrollment. That is a total, so two or three smaller paychecks count. Chase then deposits $400 within 15 days.
Get the offer: open the account online with the offer code applied, or email yourself the offer and take it to a branch
Set up direct deposit so your paycheck, pension or government benefits total $1,000 or more within 90 days
Chase deposits the $400 bonus within 15 days after you meet the requirement
Want the fine print? Fees, timing, and who qualifies
$15 a month or $0 with $500 or more in qualifying electronic deposits. Offer expires 01/27/2027.
Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. Account subject to approval. JPMorgan Chase Bank, N.A. Member FDIC
2. Chase High School Checkingâ„
Best for parents who already bank with ChaseBest if you bank with Chase and have a teen 13 to 17.
A checking account for teens ages 13 to 17 with a parent or guardian as co-owner. Your teen gets $125 after you open the account together and they complete 5 qualifying transactions within 60 days of offer enrollment.
Enter your email on Chase’s offer page to get an offer code
Take your teen and two acceptable forms of ID for them to a Chase branch and open the account together
Your teen completes 5 qualifying transactions within 60 days, and Chase deposits $125 within 15 days after that
Want the fine print? Who qualifies, and what counts
In branch only, with a parent who already has Chase checking. Offer expires 01/27/2027.
3. Chase Secure Bankingâ„
Best if you do not have direct depositBest if a $1,000 direct deposit is out of reach.
Chase pays $175 when you open a new Chase Secure Banking account and complete 10 qualifying transactions within 60 days. Debit card purchases count, so you do not need a paycheck going in. The bonus is smaller than Total Checking, and you can only take one of the two.
Open the account online, or email yourself the offer code and take it to a branch
Complete 10 qualifying transactions within 60 days: debit card purchases, online bill payments, Chase QuickDepositâ„ , Zelle® or ACH credits
Chase deposits the $175 bonus within 15 days after the transactions post
Want the fine print? Fees, timing, and who qualifies
We are not paid for this one. If you can direct deposit $1,000 in 90 days, the $400 Total Checking offer pays more.
4. Chase Business Complete Checking®
Best for small business ownersBest if you have a business and cash to park.
Chase pays $400 when you deposit $2,000 in new money, or $500 when you deposit $10,000. You have 30 days from offer enrollment to make the deposit, you keep that balance for 60 days from enrollment, and you complete 5 qualifying transactions within 90 days.
Open a new Chase Business Complete Checking account online or bring the offer to a branch
Deposit $2,000 or $10,000 in new money within 30 days and keep that balance for 60 days from offer enrollment
Complete 5 qualifying transactions within 90 days, and Chase deposits the bonus within 15 days
Want the fine print? Fees, timing, and who qualifies
We are not paid for this one. See Chase for current terms.
5. J.P. Morgan Self-Directed Investing
Best if you are moving $5,000 or more in investments
Best if you are moving a brokerage account or IRA.
Open a J.P. Morgan Self-Directed Investing account and fund it with qualifying new money within 45 days. The bonus depends on how much you bring: $50 for $5,000 to $24,999, $150 for $25,000 to $99,999, $325 for $100,000 to $249,999, and $1,000 for $250,000 or more.
Open a J.P. Morgan Self-Directed Investing account through the offer page by 1/21/2027
Fund it within 45 days by moving cash, transferring securities or rolling over retirement assets from another institution
Keep the new money in the account for 90 days from enrollment, and the bonus lands within 15 days after
Want the fine print? Tiers, timing, and who qualifies
Bonus tiers run from $50 to $1,000. Offer expires 1/21/2027.
INVESTMENT AND INSURANCE PRODUCTS ARE: NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
6. Chase Credit Card Bonuses
Best if you want a bonus without switching banksBest if you already bank with Chase.
Credit card bonuses are the Chase promotions that do not care whether you already have a Chase checking account. You earn them by spending a set amount in the first 3 months, and approval depends on your credit.
Pick a card on Chase’s site and check the current offer and pricing
Apply, and if approved, put your normal spending on the card
Hit the spending requirement in the first 3 months from account opening
Want the fine print? The four cards people ask about
We are not paid for these. Only worth it if you pay the balance in full.
Compare Chase Bonuses
Here is every Chase offer on this page side by side. The two checking bonuses for new customers, Total Checking and Secure Banking, are either-or, because Chase pays one new checking account bonus every two years.
All 6 Chase offers at a glance
| Offer | Bonus | What it takes | Offer ends | Best for | Get started |
|---|---|---|---|---|---|
| Chase Total Checking® | $400 | $1,000 in direct deposits in 90 days | 01/27/2027 | New Chase checking customers with a paycheck | |
| Chase High School Checkingâ„ | $125 | 5 qualifying transactions in 60 days | 01/27/2027 | Chase parents with a teen 13 to 17 | |
| Chase Secure Bankingâ„ | $175 | 10 qualifying transactions in 60 days | 01/27/2027 | No direct deposit | |
| Chase Business Complete Checking® | $400 or $500 | $2,000 or $10,000 in new money, plus 5 transactions | 01/21/2027 | Small business owners | |
| J.P. Morgan Self-Directed Investing | Up to $1,000 | $5,000 or more in new money in 45 days | 1/21/2027 | Moving investments | |
| Chase credit cards | By card | Spending in the first 3 months | No date listed | Current Chase customers |
| Offer | Bonus | Ends | Needs | Go |
|---|---|---|---|---|
| Total Checking® | $400 | 01/27/2027 | $1,000 direct deposit | |
| High School Checkingâ„ | $125 | 01/27/2027 | 5 transactions | |
| Secure Bankingâ„ | $175 | 01/27/2027 | 10 transactions | |
| Business Complete Checking® | $400 or $500 | 01/21/2027 | $2,000 or $10,000 | |
| J.P. Morgan Self-Directed Investing | Up to $1,000 | 1/21/2027 | $5,000+ new money | |
| Chase credit cards | By card | No date listed | Card spending |
Chase Bank Promotions for Current Customers
Already have a Chase checking account? The $400 and $175 checking bonuses are off the table, because Chase limits them to new checking customers. Here is what is still open to you.
- Refer a friend. Chase pays $50 for each friend who opens a qualifying checking account through your link, up to 10 referrals and $500 per calendar year. The referral offer becomes available about 30 days after you open your own account. Get your link at chase.com/ReferFriends.
- A teen account. Chase High School Checking is built for you: the $125 offer requires a parent or guardian who already has an eligible Chase checking account.
- A business account. The business checking bonus is for new business checking customers, so having personal checking with Chase does not rule you out.
- An investing account. The J.P. Morgan Self-Directed Investing bonus is tied to your first Self-Directed Investing account and new money from outside J.P. Morgan Chase.
- A credit card. Card bonuses depend on your history with that card, not on your checking account.
Chase says the friend you refer can get $400 when they open a qualifying checking account and complete the qualifying activities, which is the same Total Checking offer covered above.
How to Avoid Chase Monthly Service Fees
A bonus is only worth it if the account does not eat it. $15 a month is $180 a year, which is almost half the $400. Every Chase account below has a way to get the fee to $0, and you only need one of them each statement period.
| Account | Monthly fee | How to get it to $0 |
|---|---|---|
| Chase Total Checking® | $15 or $0 | $500 or more in qualifying electronic deposits, or a balance of $1,500 or more at the beginning of each day, or an average beginning day balance of $5,000 or more with linked qualifying accounts, or a linked qualifying Chase checking account |
| Chase Secure Bankingâ„ | $4.95 or $0 | $250 or more in qualifying electronic deposits, or an account owner age 17 to 24 |
| Chase High School Checking℠| $0 | For students 13 to 17 at account opening, linked to a parent or guardian’s personal Chase checking account |
| Chase Savingsâ„ | $5 or $0 | A balance of $300 or more at the beginning of each day, or $25 or more in Autosave or other repeating automatic transfers from your personal Chase checking account, or a linked qualifying checking account, or an account owner under age 25 |
| Chase Business Complete Checking® | $15 or $0 | Any one of several qualifying activities, such as a $2,000 minimum daily ending balance. See Chase for the full list |
One catch on Total Checking: qualifying electronic deposits are payments from an employer or government made by ACH and similar networks. Zelle®, cash, checks, wire transfers and interest do not count. If your paycheck is at least $500 per statement period, you are covered. See the $400 Total Checking offer
Do You Need a Chase Coupon Code?
No. You do not have to hunt for a Chase coupon code or type one in. When you open the account online from Chase’s offer page, the offer code is applied when you choose to open an account. If you would rather open in a branch, enter your email on the offer page and Chase emails you the offer to bring with you. The teen offer works the second way only, because Chase High School Checking is opened in a branch.
Either way, the offer has to be attached when the account is opened. Opening a plain account first and asking for the bonus later is how people miss it.
Is There a Chase Savings Account Bonus?
Not that we could find. Chase’s savings pages did not show a public savings bonus as of this update. The Total Checking offer page invites you to open a Chase Savings℠account at the same time, but the $400 is for the checking account. If you want your savings to earn more, compare high-yield savings accounts instead.
A few other Chase accounts come up a lot and did not show a public bonus when we checked. We are not paid for any of these:
- Chase Private Client Checkingâ„ . $35 Monthly Service Fee, or $0 with an average beginning day balance of $150,000 or more across linked qualifying deposits and investments. See Chase Private Client
- Chase First Bankingâ„ . A parent-owned account with a debit card for kids ages 6 to 17, with a $0 Monthly Service Fee. You need a qualifying Chase checking account first. See Chase First Banking
- Chase College Checkingâ„ . We did not find a current public offer page for it. See Chase checking accounts
Chase Promotions FAQs
Open a new Chase Total Checking® account as a new Chase checking customer, then have direct deposits totaling $1,000 or more land in it within 90 days of offer enrollment. Chase deposits the $400 within 15 days after that. The offer expires 01/27/2027.
Not the checking bonuses. Chase says they are not available to existing Chase checking customers, to anyone whose account was closed within 90 days, or to accounts closed with a negative balance within the last 3 years. Current customers can still earn $50 for each friend they refer, up to $500 per calendar year, and can look at the business checking, investing and credit card offers.
No code to type in. When you open Chase Total Checking® online from the offer page, Chase applies the offer code for you. If you would rather open in a branch, enter your email on the offer page and Chase emails you the offer to bring with you.
The Monthly Service Fee is $15, or $0 when you do any one of these each statement period: get $500 or more in qualifying electronic deposits, keep a balance of $1,500 or more at the beginning of each day, keep an average beginning day balance of $5,000 or more with linked qualifying accounts, or link a qualifying Chase checking account.
Yes. Chase treats the checking bonus as interest and reports it on IRS Form 1099-INT, so it counts as income for the year you receive it.
We did not find a public savings bonus on Chase’s savings pages as of this update. Chase does invite you to open a Chase Savings℠account alongside the checking offer, but the $400 is for the checking account. See Chase for current terms.
Which Chase Promotion Should You Pick?
If you are new to Chase checking and get a paycheck, take the $400 Total Checking offer and let the same direct deposit cover the monthly fee. No direct deposit? Secure Banking pays $175 for ten transactions. Already a customer? Your options are the referral bonus, the teen account, business checking, investing and credit cards. Whatever you choose, open it through the offer page so the bonus is attached, and open it before the date on the offer.
Get the $400 Chase Total Checking offer
